Here's a good one. In Photoshop, type the text. In the Layers box, next to opacity, you see 'Fill'. Change that to ZERO. It will look like the text disapeared. Then go to blending options on that Text Layer (right click on it and choose "Blending Options") and then add a stroke (outline) or whatever you want. If you want some of the text to be visible, go to Color Overlay. Another good thing is in the Blending Options, select Bevel and Emboss > Pillow Emboss.